Frequently Asked Questions (FAQ)

Yes. We use 128-bit encryption:  Secure Socket Layer (SSL) for all communications.  This currently is the highest level of security available for Internet transactions.

Bill Pay is a service that is part of our online banking.  Bill Pay gives you the flexibility to pay your bills online, from anywhere at anytime.  For more information about Bill Pay, visit the Frequently Ask Questions about Online Bill Pay page.

If we’re open, call us first.  If we’re closed, you can call 866-546-8273.  Call us the next business day, so we can order another debit card for you.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

Our routing number is 021307164.  This 9 digit number identifies our location.

We currently have 4 offices.  Two offices are located in Dryden, one office is located in Cortland, and our newest office is located on South Main Street in Homer.

7 West Main Street, Dryden

Lobby  Hours
Monday – Thursday
9:00 – 3:00
Friday
9:00 – 5:30
Saturday
9:00 – 12:00
Drive-Thru Hours
Monday – Wednesday
8:00 – 4:30
Thursday & Friday
8:00 – 5:30
Saturday
8:00 – 12:00

120 North Street, Dryden

Lobby Hours
Monday – Wednesday

9:00 – 3:00
Thursday & Friday
9:00 – 5:30
Saturday
Closed
Drive-Thru Hours
Monday – Wednesday
8:00 – 4:30
Thursday & Friday
8:00 – 5:30
Saturday
Closed

853 State Route 13, Cortland

Lobby Hours
Monday – Wednesday

8:30 – 4:00
Thursday & Friday
8:30 – 5:30
Saturday
8:30 – 12:00
Drive-Thru Hours
Monday – Wednesday
8:00 – 4:30
Thursday & Friday
8:00 – 5:30
Saturday
8:00 – 12:00

12 South Main Street, Homer

Lobby Hours
Monday – Wednesday

8:30 – 4:00
Thursday & Friday
8:30 – 5:30
Saturday
8:30 – 12:00
Drive-Thru Hours
Monday – Wednesday
8:00 – 4:30
Thursday & Friday
8:00 – 5:30
Saturday
8:00 – 12:00

Yes! We are one of the few, truly locally owned independent banks in Upstate New York.  To this day, we continue our involvement with the Dryden, Cortland, and Homer communities.  We don’t stop there.  The First National Bank of Dryden supports and involves the surrounding areas as well, to help the growth of Upstate New York.

No.  Mobile Banking and Online Banking use the same login credentials.